Get Out Of Debt Free: Debt Consolidation for Newbies (English Edition)

An Excerpt: "...Many people find that they can lower their monthly payments by simply calling their creditors. Most creditors will work with debtors to help them get out of debt. If you have a credit card and cannot afford the monthly payment, call the credit card company and explain your situation, the credit card company may be willing to lower your minimum payment; however, they will not let you charge using the card...."